eligibility to have IRA

If someone has pension or 401k or 403B … can they also have an IRA at same
time? Can you contribute to each in same year. What determines



Yes, you can contribute to both. But there are income limitations to be able to deduct a traditional IRA contribution and higher income limitations to contribute to a Roth.  You must first determine your modified AGI for your filing status and then check the income limits in Pub 590 attached, pages 15 and 63:    http://www.irs.gov/pub/irs-pdf/p590.pdf



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